First-Time Homebuyer

First Time and First Generation Home Buyer

If single

You must meet all of the following conditions

  • You must not have owned a home in the U.S. within the past 7 years.
  • You must not have used ownership interest, legal title, sale, or transfer rights in a U.S. mortgage within the past 7 years.
  • If your parents are living, they must not currently own a home in the U.S.; if deceased, they must not have owned a home in the U.S. at the time of their death. Past ownership history does not matter.

If married

You must meet all of the following conditions

At least one of you or your spouse

  • Must not have owned a home in the U.S. within the past 7 years.
  • Must not have used ownership interest, legal title, sale, or transfer rights in a U.S. mortgage within the past 7 years.
  • If parents are living, they must not currently own a home in the U.S.; if deceased, they must not have owned a home in the U.S. at the time of their death. Past ownership history does not matter.

The other spouse

  • Must not have owned a home in the U.S. within the past 3 years.